Those who have applied for loans and have not paid the provident fund for three consecutive months or a total of six months must pay the provident fund. The provident fund center has the right to terminate the contract and ask the lender to pay off the loan, so the provident fund cannot be broken. If you don't pay it, it will affect you. You can either change your job or find someone to pay your own provident fund.

After handling the housing provident fund loan, immediately seal the account to stop paying the housing provident fund, and the housing provident fund management center shall order it to pay back the outstanding housing provident fund, and pay it in full and on a normal monthly basis during the loan period; Refused to pay, to recover the housing provident fund loans or the implementation of commercial loan interest rates.

The impact of the suspension of provident fund deposit on loans is mainly manifested in the following two aspects:

(1) If you want to apply for a provident fund loan, according to the Regulations on the Administration of Provident Funds, the borrower must pay the housing provident fund continuously every month before applying for a loan, and the unit that is in arrears for more than 3 months (including 3 months) will suspend accepting the application for individual housing loans from the housing provident fund. Therefore, if you stop paying the provident fund, you cannot apply for a provident fund loan.

(2) For borrowers who have applied for provident fund loans, if the borrowers of housing provident fund loans fail to pay the housing provident fund in full and on time for three consecutive months or six cumulative months, the provident fund management center has the right to terminate the loan contract and require the borrowers to pay off the housing provident fund loans in advance.

2. How can I repay my resignation after buying a house with a provident fund loan?

1. If the provident fund loan application has been approved and all procedures have been completed, then resignation or the closure of the provident fund will not affect the provident fund loan, but the loan card should be recharged on time to avoid affecting the loan deduction.

2. After applying for a good loan, you must repay it monthly or in advance. The suspension of provident fund loans will not affect the repayment of loans, but you must ensure that you have money in your account to repay loans every month.

3 provident fund loans refer to loans enjoyed by employees who have paid housing provident fund. According to the national regulations, all employees who have paid the provident fund can apply for provident fund loans according to the relevant provisions of provident fund loans.

4. In the newly published "Draft for Review", it is proposed that in addition to units and employees, individual industrial and commercial households, part-time employees and other flexible employees without employees can also pay the housing provident fund by individuals and enjoy the rights of withdrawal and loan, which is undoubtedly a great advantage for some flexible employees.

3. What should I do if I resign after buying a house with a provident fund loan?

Resignation after the provident fund loan to buy a house has basically no effect on repayment. The parties can renew the new company in time, and if they want to find a job in a different place, they should go through the formalities of transferring the provident fund as soon as possible; Individuals can bear the cost of housing provident fund and recharge the loan card on time in order to continue to pay.

[Legal basis]]

Article 5 of the Regulations on the Management of Housing Provident Fund

Housing provident fund should be used for employees to purchase, build, rebuild and overhaul their own houses, and no unit or individual may use it for other purposes.

Article 15

Employees who are on the job shall go through the deposit registration at the housing provident fund management center within 30 days from the date of employment, and go through the establishment or transfer of employee housing provident fund accounts at the entrusted bank with the audit documents of the housing provident fund management center. Where an employee of a unit terminates the labor relationship, the unit shall, within 30 days from the date of termination of the labor relationship, go to the housing provident fund management center to register the change, and go to the entrusted bank to handle the transfer or sealing procedures of the employee's housing provident fund account with the audit documents of the housing provident fund management center.

skill

The above answer is only for the current information combined with my understanding of the law, please refer carefully!

If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.

4. How can I repay my resignation after buying a house with a provident fund loan?

The basis of housing provident fund loan is your unit provident fund account as a kind of mortgage guarantee. Even if you resign, the provident fund account will not be deducted from your reserved repayment account. First, you have to deposit money in your exchange account every month, otherwise the bank will double your late payment fee; Then you apply to the housing provident fund office for repayment of the provident fund. For the insufficient part, refer to paragraph, the house you borrowed will be auctioned to repay the loan.